RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "RURAL BANK SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015"

Transcription

1 RURAL BANK SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015

2 Rural Bank Schedule of Fees and Charges This booklet forms part of the Rural Bank Accounts Terms and Conditions for the following products: Rural Bank Seasonal Account, and Rural Bank AgriManager Account. This booklet also applies if you: hold any of the following products: Rural Bank Term Loan Rural Bank Money for Living Account* Equipment Finance This booklet also applies if you: use any of the following payment products: Cheques; Automatic payments; Staff assisted transfers; Visa Debit card; Internet Banking and Phone Banking (including Bpay, Pay Anyone and Bulk Payments). To obtain a copy of the Rural Bank Accounts Terms and Conditions, or your loan terms and conditions, visit your nearest Bendigo Bank branch, contact Customer Contact and Care on 1300 BENDIGO ( ) or access Bendigo Bank s website at select Business, then follow the agribusiness prompts. *This product is no longer available. Fees apply to existing accounts only. AgriManager is a registered trademark of Rural Bank Limited ABN Bpay registered to Bpay Pty Ltd ABN

3 Contents About this schedule 2 How to minimise fees and charges on your account...2 Fees and charges for specific accounts...3 Rural Bank Money for Living...3 Rural Bank Seasonal Account...3 Rural Bank Seasonal Account with Credit facility...4 Rural Bank AgriManager Account...4 General fees and charges...5 Debit cards...5 Cheque fees...5 Payment services...6 Other fees and charges...6 Lending fees and charges...7 Upfront fees...7 Ongoing fees...7 Other loan fees...7 Discharge fees...8 Transaction definitions...9 Product comparison table Features...10 Product Comparison tables Access methods RURAL BANK 1

4 ABOUT THIS SCHEDULE This booklet contains fees and charges that may apply to Rural Bank accounts, loans and the use of payment products. To the extent that financial product advice has been given in this document it does not take into consideration your objectives, financial situation or needs. Before acting on any advice in this document we recommend you consider if it is appropriate for your circumstances. FEES AND CHARGES PAYABLE You agree to pay us: all fees and charges described in this booklet including those which arise as a result of the actions of a person authorised to operate your account plus any new fees and charges we impose under the Terms and Conditions applicable to your account; government charges, including government stamp and other duties and charges payable on receipts or withdrawals under this agreeement; and any expenses we incur enforcing this agreement. Fees and charges incurred will be debited from your account. Unless otherwise stated, they will be debited on or after the day the service or event to which the fee relates is requested by you or occurs, the date we pay them or the date they become due or payable by you or us (whichever is earlier). We can at any time choose not to collect a fee or charge from you. This does not prejudice our right to collect the fee or charge in the future. A failure by us to charge a fee or charge does not constitute a waiver of that fee or charge or the right to charge that fee or charge. All fees and charges apply per transaction or per request unless otherwise stated. CHANGES TO FEES AND CHARGES Fees and charges may change and new fees and charges may be introduced. For details about how you will be notified of changes to fees and charges, the introduction of new fees and charges or how fees are charged, refer to your Terms and Conditions (Terms). To obtain a copy of the most recent version of the Rural Bank Schedule of Fees and Charges, or for more information, please visit your nearest Bendigo Bank branch, contact Customer Contact and Care on 1300 BENDIGO ( ) or access Bendigo Bank s website at select business, then follow the agribusiness prompts. All fees, unless otherwise stated, include GST (where applicable). How to minimise fees and charges on your account Use transaction methods in this booklet where the 3 symbol appears as they are free of charge (unless otherwise stated). Direct debits are free on most accounts. Direct debits are a convenient way to arrange payment for various bills. Check your bills to see if direct debit is one of the available payment options. But remember to keep sufficient funds in your account to cover the cost of the direct debit to avoid dishonour fees. If you operate a transaction account with a cheque book facility why not consider the All Access transaction fee option? All your cheque withdrawal transactions are included in the monthly service fee. 2 Schedule of Fees and Charges

5 Fees and charges for specific products RURAL BANK MONEY FOR LIVING ACCOUNT This account is no longer available. Fees apply to existing accounts only. A monthly service fee applies to Rural Bank Money For Living Accounts. There is no transaction allowance for the Rural Bank Money For Living Account. You are entitled to have interest automatically transferred to an account of your choice each month free of charge. Money For Living transaction fees Monthly service fee $5.00* Internet and Phone Banking transfer $0.30 Bpay bill payments $0.30 Pay Anyone transfers $0.30 Internal account staff assisted transfer $1.50* External account staff assisted transfer $5.00* Direct debit withdrawals Internal periodical payments External periodical payments $4.00 Cash and cheque deposits at a branch Bpay registered to Bpay Pty Ltd ABN * Applicable to Accounts with a balance less than $5000 RURAL BANK SEASONAL ACCOUNT The fees and charges in the following table apply if you do not have a credit facility attached to your account. If you do have a credit facility attached to your account refer to the Rural Bank Seasonal Account with Credit facility section. Transaction fees Monthly account service fee $17.00 EFTPOS transactions ATM withdrawal# ATM balance enquiry# Debit card transactions (credit option) Internet and Phone Banking transfers Bpay bill payments Pay Anyone transfers Direct debit withdrawals Internal periodical payments External periodical payments $4.00 Cash deposits at a branch Direct credits Cheque withdrawal* $0.60 Internal account staff assisted transfer External account staff assisted transfer $1.50 $5.00 withdrawal $2.50 deposit $2.00 Cheque deposit (per cheque) ^ If your Rural Bank Seasonal Account does not have a credit facility attached to your account you will be charged a monthly account service fee. This fee is debited to your account monthly on the 1st of each month. # ATM transactions performed at non-bendigo Bank ATMs may incur a fee. * Cheque withdrawal fees accrue per cheque withdrawan from your account and are charged monthly on the first day of the following month. and its device mark are registered trademarks of the Australian Postal Corporation Bpay registered to Bpay Pty Ltd ABN RURAL BANK 3

6 Fees and charges for specific accounts RURAL BANK SEASONAL ACCOUNT WITH CREDIT FACILITY Transaction fees Quarterly account service fee* $80.00 RURAL BANK AGRIMANAGER ACCOUNT Transaction fees Quarterly account service fee* $ EFTPOS transactions EFTPOS transactions ATM withdrawal # ATM withdrawal # ATM balance enquiry # ATM balance enquiry # Debit card transactions (credit option) Debit card transactions (credit option) Internet and Phone Banking transfers Internet and Phone Banking transfers Bpay bill payments Pay Anyone transfers Direct debit withdrawals Internal periodical payments External periodical payments Cash deposits at a branch Direct Credits $4.00 Cheque withdrawal^ $0.60 Bpay bill payments Pay Anyone transfers Direct debit withdrawals Internal periodical payments External periodical payments Cash and cheque deposits at a branch Direct Credits Cheque withdrawal Internal account - staff assisted transfer External account - staff assisted transfer $1.50 $5.00 withdrawal $2.50 deposit $2.00 Cheque deposit (per cheque) # ATM transactions performed at non-bendigo Bank ATMs may incur a fee. ^ Cheque withdrawal fees accrue per cheque withdrawan from your account and are charged monthly on the first day of the following month. Bpay registered to Bpay Pty Ltd ABN and its device mark are registered trademarks of the Australian Postal Corporation * Quarterly account service fee When a Rural Bank Seasonal Account has a credit facility attached a quarterly account service fee applies instead of a monthly fee regardless of whether the account is in debit or credit. The quarterly fee is charged in arrears for the previous quarter on 1 July, 1 October, 1 January and 1 April. If a credit facility is not attached to your account for a full quarter, or if you open or close your account part way through a quarter the fee will be on a pro-rata basis as follows: Quarterly account service fee payable Less than 30 days $ days $27.00 Internal account - staff assisted transfer External account - staff assisted transfer withdrawal $2.50 deposit $2.00 # ATM transactions performed at non-bendigo Bank or Suncorp ATMs may incur a fee. Bpay registered to Bpay Pty Ltd ABN and its device mark are registered trademarks of the Australian Postal Corporation * Quarterly account service fee The quarterly fee is charged in arrears for the previous quarter on 1 July, 1 October, 1 January and 1 April. If a Rural Bank AgriManager Account is not open for a full quarter the fee will be charged on a prorata basis as follows: Quarterly account service fee payable Less than 30 days $ days $ days $ days + $ Additional fees and charges for all accounts Additional fees may be incurred when particular goods or services are requested. Please refer to the General fees and charges and Lending fees and charges sections for applicable fees days $ days + $ Schedule of Fees and Charges

7 General fees and charges Debit cards ATM Direct Charging You can perform the following transactions free of charge at any Bendigo Bank ATM: ATM withdrawal ATM enquiries Transactions performed at any other ATM may incur a fee from the owner of the ATM. This fee will be disclosed by the ATM owner at the time of your transaction. Cash advance $4.00 Applies per transaction performed over the counter using a Debit card at any participating financial institution (excludes transactions performed at any Bendigo and Adelaide Bank Limited branch). International cash advance Applies to each transaction performed over the counter or at an ATM overseas. Note: the foreign currency conversion fee also applies. Foreign currency conversion fee Applicable when a transaction performed in a foreign transaction currency is converted into Australian dollars (AUD). ** For example, if you make a transaction outside of Australia for $1000 AUD, the foreign currency conversion rate will be 2% x $1,000 = $20.00 Replacement Debit card (Australia) To replace a lost, stolen or damaged Debit card via registered post while in Australia. Replacement Debit card (overseas) To replace a lost, stolen or damaged Debit card while overseas. Replacement Debit card Personal Identification Number (PIN) Applies when a replacement Debit card PIN is ordered. $4.00 2% of the Australian dollar value** $10.00 per card $ per card Free Cheque fees Bank cheque Applies per bank cheque: Bank cheques organised through Bendigo and Adelaide Bank Limited. Bank cheques organised through the Commonwealth Bank of Australia (CBA). Corporate cheque Applies per bank cheque: Where you do not have a Bendigo Bank transaction account, Corporate cheques are organised through Rural Bank. Bank cheque repurchase or stop fee Applies when a bank cheque is repurchased, as it is no longer required or stopped. Corporate cheque repurchase or stop fee Applies per corporate cheque you request to be repurchased or stopped. Cheque book via Express Post Applies when a cheque book is sent via Express Post. Cheque cancellation (stop) fee Applies per request to stop a cheque written from your cheque book. Fee applies per cheque written or per series of cheques if the cheque book is lost or stolen. Cheque trace^ Applies per request to trace the final destination of a cheque transaction. A copy of the cheque is provided with this request. Copy of a cheque^ Applies per request for a copy of a deposited cheque. ^ If the voucher, cheque or payment search/trace reveals a bank error, the fee will be waived. $10.00 $10.00 $8.00 $15.00 $15.00 per cheque book $10.00 $20.00 $20.00 Debit card via Express Post Applies to send a Debit card via Express Post. $15.00 per card Outward cheque dishonour fee Applies per cheque written against your account that is dishonoured due to insufficient funds. $35.00 Special cheque clearance Applies per cheque for which you have requested special clearance (fast clearance) when deposited. $15.00 Voucher search^ Applies to a request for the retrieval of a voucher or other documentation. The minimum charge is $ $60.00 per hour RURAL BANK 5

8 Payment Services Other fees and charges Direct debit dishonour Applies per unsuccessful direct debit attempt on a Rural Bank account due to insufficient funds. Overdrawn account fee Applies when your account is overdrawn or exceeds it credit limit without prior arrangement with us. You will be charged this fee each day you perform a transaction on your Account and your account remains overdrawn at the end of the day. Electronic trace^ Applies when you have requested a trace on a Bpay or Pay Anyone transaction or a transaction that has been sent electronically to another financial institution. Electronic transaction recall Applies per attempt to recall an electronic transaction. The fee applies regardless if the recall is successful. * Fees may also be charged by destination financial institution ^ If the voucher, cheque or payment search/trace reveals a bank error, the fee will be waived. International Funds Transfer (IFT) Applies per international funds transfer request. Note: (1) The Bank receiving (overseas bank) the electronic funds may also deduct a service fee. This fee will be deducted from the amount sent if incurred. (2) Additional charges may be incurred if an incorrect, incomplete or missing SWIFT Bank Identifier Code (BIC) or International Bank Account Number (IBAN) is provided (3) Please note the Bank may require additional information before we can process your IFT request. Please ensure this is promptly provided when requested by the Bank to ensure your request is not unnecessarily delayed. Inward direct credit An arrangement with a third party to electronically transfer funds to a Rural Bank account (e.g. salary credit). Real time electronic funds transfer Applies per transaction when funds are requested to be sent real time or the same day to an account held with another Australian financial institution. $35.00 $20.00 $15.00 per transaction Free Administration fee Applies for the supply of information, retrieval of a voucher or other documentation or other special services you request. Audit request Applies when an audit has been requested on an account. Bulk Payments setup fee Payable per account, includes up to two Vasco One Touch security tokens. Bulk Payments transaction fee Cost per transaction. This fee consists of a processing component and GST, which are charged separately as follows: Processing component Charged $15.00 per quarter hour Cost $99.00 $99.00 On same day as processing. $0.15 GST component On last working day of month. $0.015 Total Bulk Payments Transaction Fee $0.165 Business name search Payable when a business name search is required to establish an account. Company search Payable when a company search is required to establish an account. Deposit books Standard deposit book Pre-carboned deposit book Dormant account An annual fee that applies to savings and transactional accounts that have not been activated by a customer initiated deposit or withdrawal for three years or more. This fee is waived when you have an active credit facility or Rural Bank Term Deposit facility, or a combined balance of other savings and transactional accounts exceeding $10,000 under the same customer number (excluding the dormant account). $20.00 Free 5.00 per book $20.00 Trace on IFT Transaction history print out $5.00 Applies per request to trace an IFT payment.* Trace on Real time electronic funds transfer Applies per request to trace a real time electronic funds transfer payment.* Payable when a print out on an account transaction per requested history is requested. statement period Vasco One Touch security token Key ring sized personal security token. Applies per security token ordered. $25.00 (includes GST) Vasco Professional security token Small calculator sized multi user security token. Applies per security token ordered. $99.00 (includes GST) 6 Schedule of Fees and Charges

9 Lending fees and charges The following fees and charges are payable in relation to an application for a Rural Bank Seasonal Account with overdraft, AgriManager or Term Loan. Our letter of offer will confirm the amount of the fees payable and how and when the fees are to be paid. UPFRONT FEES Bank Guarantee establishment fee Payable in advance for the establishment of a Bank Guarantee. Building loan fee Charged per progress payment to cover the administration required to manage approval and drawdown. Progress Inspection fees will also be payable. Loan establishment fee This fee is based on the amount of the lending facility application approved by Rural Bank at the time the application is made. This fee will be detailed in your letter of offer. $ $60.00 Available on application ONGOING FEES Service Fees Bank Guarantee line fee ** A non-refundable line fee is payable annually in advance on the value of the Bank Guarantee. ** For example, if you arrange a $10,000 bank guarantee an annual fee of 3% x $10,000 = $300 per annum will apply. OTHER LOAN FEES Facility increase fee This fee will apply when you request to increase a Rural Bank Term Loan, Rural Bank AgriManager Account or Rural Bank Seasonal Account. Loan variation fee Applies if you request a change to a lending facility (such as if you change your product type Rural Bank Seasonal to Rural Bank AgriManager, convert from a variable rate to a fixed rate, or ask us to review your interest rate). 3% of the guaranteed amount Minimum fee $ $ Loan Commitment fee Payable if facilities are not drawn or rejected by the customer within 30 days of written approval advice. Fee is calculated daily on the approved amount. Security Documentation & Legal fees Customers are required to pay all costs associated with the preparation, certification, registration and settlement of security documents and/or bank guarantees and all costs related to preparation of facilities including Trusts and/or non-personal entities. Search fees, trust perusal fees, government stamp duty and registration fees may also apply. Settlement and Agency fee These fees will be payable if settlement or lodgment is required to be attended by a third party. Any such fees will be payable at or prior to the first advance. Valuation fees Customers are required to pay all costs associated with the valuation of assets offered as security. Trust Perusal fee Charged per perusal to ensure trustee has all necessary powers to enter into the proposed transaction. 1.5% p.a. Varies based on the complexity of the facility and securities Varies based on the nature and value of the security $275 per trust deed perused Rate lock fee Payable for us to lock in and hold a fixed rate more than 14 days prior to drawdown. Redraw fee Applies if you ask and we agree to redraw additional funds paid to a Rural Bank Term Loan. Review fee This fee may be payable when we conduct a review of your account. The amount of the fee will be advised in the review letter. Security handling perusal and consent fee Applies each time we need to deal with a security after settlement such as production of title or if we peruse and approve a tenancy agreement, subdivision, strata plan and other document where we hold a mortgage over a security. Where an external solicitor is used by us to carry out the work, their fee will also be payable by you. 0.5% of amount to be fixed One free per month then $50.00 for each subsequent redraw during the month Varies based on the complexity of the facility $ per dealing RURAL BANK 7

10 Business and Rural Lending fees and charges Security Documentation & Legal fees Customers are required to pay all costs associated with the preparation, certification, registration and settlement of security documents and/or bank guarantees and all costs related to preparation of facilities including Trusts and/or non-personal entities. Search fees, trust perusal fees, government stamp duty and registration fees may also apply. Varies based on the complexity of the facility and securities EQUIPMENT FINANCE FEES AND CHARGES Documentation fee* Asset Purchase, Finance Lease $ (includes GST) Equipment Loan $ Stamping fee $25.00 (if applicable) Settlement and Agency fee PPSR fees at cost These fees will be payable if settlement or lodgment is required to be attended by a third party. Any such fees will be payable at or prior to the first advance. Temporary limit increase fee This fee applies if you request a temporary increase in the limit on your Rural Bank Seasonal Account or Rural Bank AgriManager Account. $ Rate lock fee If requested, payable for us to lock in an equipment finance rate for more than 14 days $600 plus 0.15% of the facility for amounts between $200,000 and $500,000. For facilities more than $500,000 fee is available on application. Valuation fees Customers are required to pay all costs associated with the valuation or revaluation of assets offered as security. DISCHARGE FEES Full/partial discharge For the preparation and execution of discharge, and in the case of full discharges, calculation of payout figures, attendance to settlement and account closure. Government stamp duty and registration fees may also apply. Where an external solicitor is used by us to carry out the work, their fee will also be payable by you. Varies based on the nature and value of the security $ per security up to a maximum of $ *This fee may vary based on the complexity of the facility and the security taken. Note: Additional document preparation fees, stamp duty and government registration fees may be payable if a mortgage, general security deed or other security is required. Valuation and legal fees may apply. Additional fees and charges can be incurred during the term of the equipment finance facility, please refer to the applicable terms and conditions of the agreement. Partial release of a Security Interest Break cost administration fee $60.00 per security up to a maximum of $ $50.00 Payable if you repay all or part of your Rural Bank Term Loan during a fixed rate period. 8 Schedule of Fees and Charges

11 Transaction Definitions ATM balance enquiry A balance enquiry performed at any ATM within Australia offering the facility. ATM withdrawal A withdrawal using a Debit card at any participating ATM within Australia. deposit A deposit made at any participating Australia Post Office using a Visa Debit card. withdrawal A withdrawal made at any participating Australia Post Office using a Visa Debit card. Bpay bill payment A method of paying a bill to a registered biller who participates in the Bpay scheme. Cash and cheque deposit Cash and/or cheques deposited into a Rural Bank account. Cheque deposit A cheque deposited into a Rural Bank account. Cheque withdrawal Applicable when a cheque from your cheque book is debited from your account. Debit card transaction A transaction performed where the credit option is selected instead of the savings option. Note: Cash cannot be withdrawn with this method Direct debit withdrawal A withdrawal (known as a direct debit) from your Rural Bank account that you have authorised a third party to debit. EFTPOS transactions Transactions performed at an EFTPOS terminal. External account staff assisted transfer An electronic funds transfer to an account held with another financial institution within Australia that is completed by a staff member in accordance with your instructions. External periodical payment A regular payment of a fixed amount from a Rural Bank account to an account held with another financial institution. Internal account staff assisted transfer An electronic funds transfer to another Rural Bank account, held by you or someone else, that is completed by a staff member in accordance with your instructions. Internal periodical payment A regular payment of a fixed amount between two Rural Bank accounts. Internet and Phone Banking transfer A once-off or regular transfer of funds between two Rural Bank accounts performed via Internet Banking or Phone Banking. Month References to month within this document means a calendar month. Pay Anyone transfer A once-off or regular transfer of funds to an account held with another financial institution within Australia performed via Internet Banking. Please note: The Definitions and Interpretations contained in the Rural Bank Terms and Conditions document also apply to terms used throughout this document. RURAL BANK 9

12 Product Comparison Tables Features The information in this table is for summary purposes. You should refer to the complete document for more detail regarding specific accounts and other conditions that may apply. RURAL BANK SEASONAL ACCOUNT RURAL BANK AGRIMANAGER ACCOUNT OPENING REQUIREMENTS Can be opened by: INTEREST Primary producers only eligibility criteria applies1 Primary producers only eligibility criteria applies1 Calculated: Daily Daily Paid: Monthly Monthly or quarterly Fixed or variable: Variable Variable Tiered: Payment method(s): Reinvest to your account Reinvest to your account ACCOUNT FEATURES Term: At call At call Minimum opening balance: $0 $0 Minimum operating balance: $0 $0 Maximum opening balance: N/A N/A Statement frequency: Monthly Monthly Fees and charges apply: = Available = Not available Notes: 1 Account must be used wholly or predominately for business purposes. Additional eligibility criteria apply for credit facility applications. All applications are subject to Rural Bank s normal lending criteria. The information in this table is for summary purposes. You should refer to the complete document for more detail regarding specific accounts and other conditions that may apply. 10 Schedule of Fees and Charges

13 Product Comparison Table Access methods RURAL BANK SEASONAL ACCOUNT RURAL BANK AGRIMANAGER ACCOUNT DEBIT CARD Debit card 1 2 ATM 3 EFTPOS CHEQUES Cheque book Bank Cheque ELECTRONIC ACCESS Internet Banking View only Phone Banking View only Internet Banking Full access Phone Banking Full access Direct Debits Direct Credits Bpay Pay Anyone Periodical Payments Bulk Payments 4 OVER THE COUNTER Staff assisted transfers 5 Cash deposits Cheque deposits DEPOSIT BOOK Deposit book = Available = Not available Notes: 1 There is a $1,000 cash limit per day per card for cash withdrawals made using a Visa Debit card and PIN. 2 is available at Australia Post s discretion and may not be available for high volume batches of transactions or for business purposes. 3 A fee may apply for ATM withdrawals and balance enquiries. Transactions at Bendigo Bank ATMs are free. 4 Bulk Payments is an online payment service available to selected, eligible customers. Refer to section 35 in the Rural Bank Terms and Conditions for further details. 5 Cash withdrawals are not available. RURAL BANK 11

14 Rural Bank Limited ABN AFSL Postal Address: PO Box 3660, Rundle Mall SA 5000 Registered Office: Level 6, 80 Grenfell Street, Adelaide SA 5000 Telephone: Facsimile: This document has been prepared without taking into account your personal circumstances, objectives, financial situation or needs. Terms, conditions, fees and charges and lending criteria may apply. Full details are available by phoning our Customer Service Centre on , online at or by visiting your local branch or Rural Bank representative. Products are issued by Rural Bank Limited and distributed by Elders Rural Services Australia Limited and the Australian Postal Corporation ABN Rural Bank Limited ABN AFSL Registered office: Level 6, 80 Grenfell Street, Adelaide SA RB4223-F&C-11/15 SAP (S48580) V022 BEN50TC029 (01/11/15)

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

Lending Fees and Charges. Effective from 20 July 2015.

Lending Fees and Charges. Effective from 20 July 2015. Lending Fees and Charges Effective from 20 July 2015. About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm that you have

More information

Lending Fees and Charges. Effective from 20 May 2016

Lending Fees and Charges. Effective from 20 May 2016 Lending Fees and Charges Effective from 20 May 2016 2 Suncorp Bank About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm

More information

Fees & Charges Deposit Accounts

Fees & Charges Deposit Accounts Fees & Charges Deposit s Effective Date 6 October 2014 Section A Section B Section C Section D Section E Section F Personal Fees & Charges Business Fees & Charges Other Fees & Charges Government Fees &

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Fees and Charges. www.homelend.net.au

Fees and Charges. www.homelend.net.au Fees and Charges The fees in this home loan fees and charges brochure may be applicable to HomeLend Home Line, HomeLend Term Loan and HomeLend 100% Offset Home Loan accounts. All information is correct

More information

Schedule of Fees and Charges for other Suncorp Personal Accounts

Schedule of Fees and Charges for other Suncorp Personal Accounts Schedule of Fees and Charges for other Suncorp Personal s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account

More information

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited Fees and charges UniBank is a division of Teachers Mutual Bank Limited Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 Contents Introduction 3 Transaction fees 4 Payment

More information

QTMB Fees and Charges. Prepared and effective on 13 January 2014

QTMB Fees and Charges. Prepared and effective on 13 January 2014 QTMB Fees and Charges Prepared and effective on 13 January 2014 Introduction At QTMB, you can have as many accounts as you like under the one membership, with the benefits of one statement, one membership

More information

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14.

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14. Fees and charges Contents Introduction 3 Transaction fees 4 Payment services 8 Cards 10 Loans and overdrafts 11 Overseas services 14 Other fees 15 Introduction This brochure contains our fees and charges

More information

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages

Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Lending Fees and Charges for Other Suncorp Bank Home Loans and Packages Effective Date: 22 November 2014 The following home loans are no longer available for new loans. Fee or Charge Description Professional

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Schedule of Fees and Charges Effective date: 06 August 2015 This booklet should be read in conjunction with the Terms and Conditions contained in the Financial Service Guide (FSG) for the Bank products

More information

Personal financial services charges - your guide. including small business

Personal financial services charges - your guide. including small business Personal financial services charges - your guide including small business 12 March 2014 Contents About this guide... 2 Important Information... 2 A: PRODUCT RELATED FEES AND CHARGES 1. Savings and Investment

More information

Fees & Charges. Effective 1 July 2015

Fees & Charges. Effective 1 July 2015 Effective 1 July 2015 Contains for Personal Transaction and Savings Accounts, Term Investment Accounts, Business Transaction and Savings Accounts, Loans and Access Facilities (including EFT Access Facilities).

More information

Personal Banking. Guide to Fees and Charges. July 2015

Personal Banking. Guide to Fees and Charges. July 2015 Personal Banking Guide to Fees and Charges This booklet forms part of the Terms and Conditions for Deposit Products and the Supplementary Terms and Conditions for Personal Lending and Electronic Banking

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information

AMP Bank. Home loan fees and charges guide

AMP Bank. Home loan fees and charges guide AMP Bank Home loan fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for AMP Bank home loan accounts. For information on fees and charges for our deposit accounts

More information

Suncorp Wealth Cash Management Account Product Information Document

Suncorp Wealth Cash Management Account Product Information Document Suncorp Wealth Cash Management Account Product Information Document This document contains information about the Suncorp Wealth Cash Management Account. This document must be read in conjunction with the

More information

Schedule of Fees and Charges for other Suncorp Business Accounts

Schedule of Fees and Charges for other Suncorp Business Accounts Schedule of Fees and Charges for other Suncorp s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account keeping

More information

Transaction Accounts Fees and Charges

Transaction Accounts Fees and Charges Transaction Accounts Fees and Charges ANZ BUSINESS BANKING 28.08.2015 For ANZ Business Advantage Accounts, ANZ Business Extra Accounts, ANZ Business Classic Accounts (ii) ANZ Business Extra 50 Accounts

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Citibank Accounts Schedule of Fees and Charges Transaction and Savings Accounts Effective 3 March 2014 Schedule of Fees and Charges What is the Schedule of Fees and Charges? This Schedule of Fees and Charges

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 15 April 2013 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of

More information

Suncorp Bank Personal Deposit Accounts Product Information Document

Suncorp Bank Personal Deposit Accounts Product Information Document Suncorp Bank Personal Deposit Accounts Product Information Document This document contains information on Suncorp Bank Personal Deposit Accounts Kids Savings Account, Everyday Basics Account, Everyday

More information

Loan Accounts. Charges for specific services and accounts.

Loan Accounts. Charges for specific services and accounts. Loan Accounts. Charges for specific services and accounts. Effective Date: 22 November 2015 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you

More information

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14.

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14. Fees and charges Contents Introduction 3 Transaction fees 4 Payment services 8 Cards 10 Loans and overdrafts 11 Overseas services 14 Other fees 15 Introduction This brochure contains our fees and charges

More information

Savings & Investment Accounts. Terms & Conditions Part B: Account & Service Charges

Savings & Investment Accounts. Terms & Conditions Part B: Account & Service Charges Savings & Investment Accounts Terms & Conditions Part B: Account & Service Charges 19 October 2015 01 This is Part B of Delphi Bank s Terms and Conditions ( Terms and Conditions ) for Savings and Investment

More information

Finance Fees and Charges. ANZ Business Banking

Finance Fees and Charges. ANZ Business Banking Finance Fees and Charges ANZ Business Banking February 2008 Contents Page Business Finance > Loan Approval Fee 1 > Credit Facility Fee 2 > Loan Administration Charge 3 > Renegotiation Fee 3 > ANZ Business

More information

Credit Facility Fee. Loan/Facility Type

Credit Facility Fee. Loan/Facility Type Credit Facility Fee The Credit Facility Fees described below apply and are payable in arrears, unless otherwise advised to you in writing by ANZ. Loan/Facility Type ANZ Business Overdraft The Credit Facility

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 12 December 2016 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit

More information

Schedule of Fees, Charges and Transaction Account Rebates.

Schedule of Fees, Charges and Transaction Account Rebates. Schedule of Fees, Charges and Transaction Account Rebates. Terms & Conditions. 20 August 2015 www.bendigobank.com.au Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone 1300

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective July 2015 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide BOQ Specialist Transaction and Savings Accounts (with Overdraft) Combined Product Disclosure Statement

More information

Australian Unity Home Loans Fees, Charges and Transaction Limits for Personal Accounts

Australian Unity Home Loans Fees, Charges and Transaction Limits for Personal Accounts Australian Unity Home Loans August 2015 Please read this document to understand transaction fees, charges, and limits that may apply based on your account relationship with Australian Unity Home Loans.

More information

Finance Fees and Charges

Finance Fees and Charges Finance Fees and Charges ANZ BUSINESS BANKING 28.10.2015 Contents Business Finance Loan Approval Fee 3 Credit Facility Fee 4 Loan Administration Charge 6 Renegotiation Fee 7 ANZ Business Select 7 ANZ Commercial

More information

Online Savings Account Key Features Statement

Online Savings Account Key Features Statement Online Savings Account Online Savings Account Key Features Statement newcastlepermanent.com.au Newcastle Permanent Building Society Ltd ACN 087 651 992 Australian Financial Services Licence / Australian

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products s we charge for consumer mortgage lending products Effective February 2016 Section 1: Understanding fees and charges When we may charge fees The Commonwealth Bank charges fees for administering your account

More information

Lite Transaction Account

Lite Transaction Account Lite Transaction Account Direct Option/Transaction Option Product Schedule bankwest.com.au NB: This Product Schedule is specific to the Lite Transaction Account and/or any facility made available with

More information

AMP Bank. Deposit products fees and charges guide

AMP Bank. Deposit products fees and charges guide Bank Deposit products fees and charges guide Effective date: 17 August 2015 This guide outlines the fees and charges for Bank deposit products. If you have any questions call Bank on 13 30 30 or speak

More information

Loan Accounts. Charges for specific services and accounts

Loan Accounts. Charges for specific services and accounts Loan Accounts Charges for specific services and accounts Effective Date: 15 April 2013 Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of changes

More information

A guide to fees and charges

A guide to fees and charges A guide to fees and charges Personal banking fees Effective 26 October 2015 2 Contents Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Transaction and Savings Accounts NAB Transaction and Savings

More information

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide

Transactional and Savings Accounts. Combined Product Disclosure Statement and Financial Services Guide Transactional and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide Transaction and Savings Accounts Combined Product Disclosure Statement and Financial Services Guide

More information

Fees and Charges Schedule

Fees and Charges Schedule Fees and Charges Schedule Page 1 Bananacoast Community Credit Union Ltd ABN: 50 087 649 750 AFSL: 241077 Australian Credit Licence Number 241077 Contents Section 1: Our s and charges... 6 Notification

More information

Effective Date: 15 April 2013. Loan Accounts. Charges for specific services and accounts

Effective Date: 15 April 2013. Loan Accounts. Charges for specific services and accounts Effective Date: 15 April 2013 Loan Accounts Charges for specific services and accounts Fees stated are current as at the date of this brochure but may change from time to time. We will notify you of changes

More information

AMP Bank. Deposit Products Fees and Charges Guide

AMP Bank. Deposit Products Fees and Charges Guide Bank Deposit Products Fees and Charges Guide Effective date: 18 August 2014 This guide outlines the fees and charges for Bank deposit products. If you have any questions call Bank on 13 30 30 or speak

More information

Healthy Banking Account

Healthy Banking Account This booklet forms part of the Healthy Banking Account Product Disclosure Statement Financial services provided by ANZ Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL: 234527 Healthy

More information

Guide to. 16-20 Barolin St, PO Box 1063 Bundaberg Queensland 4670

Guide to. 16-20 Barolin St, PO Box 1063 Bundaberg Queensland 4670 Guide to Issued by Auswide Bank Ltd ABN 40 087 652 060/Australian Financial Services & Australian Credit Licence 239686 Effective from April 1 2015 P 1300 138 831 F 07 4152 3499 E auswide@auswidebank.com.au

More information

BANKING ACCOUNTS TERMS AND CONDITIONS. Effective date: 08 June 2015

BANKING ACCOUNTS TERMS AND CONDITIONS. Effective date: 08 June 2015 BANKING ACCOUNTS TERMS AND CONDITIONS Effective date: 08 June 2015 THIS DOCUMENT CONTAINS TERMS AND CONDITIONS FOR THE FOLLOWING RURAL BANK LIMITED PRODUCTS: Everyday Account Everyday Retirement Account

More information

RAMS Home Loan Fees & Charges

RAMS Home Loan Fees & Charges RAMS has provided this guide to help you determine the RAMS loan fees that may be payable before and after your loan settlement. Your specific RAMS fees and other fees and charges (such as government fees)

More information

Contents. Section 1: Introduction... 1 Section 2: Fees and Charges... 3. 1. Savings and Investment Accounts... 3

Contents. Section 1: Introduction... 1 Section 2: Fees and Charges... 3. 1. Savings and Investment Accounts... 3 Contents Section 1: Introduction... 1 Section 2: Fees and Charges... 3 1. Savings and Investment Accounts... 3 1.1 Demand Deposit Accounts #... 3 1.2 Cheque Accounts #... 4 1.3 Overseas Student Accounts

More information

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions.

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Effective as at 01 July 2015 1 Your Bank The advisory services and the banking products you ll find in this

More information

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013 Retail Banking and Wealth Management Fees and Charges with effect from 1 October 2013 About this guide At HSBC we want to make it easy for you to know what fees and charges apply to the HSBC financial

More information

SELF-MANAGED SUPER FUND ACCOUNT

SELF-MANAGED SUPER FUND ACCOUNT Guide to SELF-MANAGED SUPER Issued by Auswide Bank Ltd ABN 40 087 652 060/Australian Financial Services & Australian Credit Licence 239686 Effective from March 8 2016 P 1300 138 831 F 07 4152 3499 E auswide@auswidebank.com.au

More information

Personal Savings Bank Accounts. Fees and Charges

Personal Savings Bank Accounts. Fees and Charges Personal Savings Bank Accounts Fees and Charges ABN 63 087 651 849 AFSL & Australian Credit Licence No. 246884 Effective Date 25 June 2015 Goldfields Money's Vision - A Fair Cost of Banking Services Goldfields

More information

Members Equity InterestME Savings Account

Members Equity InterestME Savings Account Members Equity InterestME Savings Account PRODUCT DISCLOSURE STATEMENT Effective from 01 July 2005 Issued by: Members Equity Bank Pty Ltd ABN 56 070 887 679 AFS Licence: 229500 Product Disclosure Statement

More information

Investment & Transaction Accounts

Investment & Transaction Accounts Bankwest Investment & Transaction Accounts Terms and Conditions 25 May 2015 making banking easier Terms and Conditions These Terms and Conditions apply to all Investment and Transaction Accounts with us

More information

Business Corporate MasterCard

Business Corporate MasterCard 1 Business Corporate MasterCard Terms and Conditions 25 May 2015 Contents 1. Definitions 1 2. Code of Banking Practice 5 3. About your contract 5 4. Opening the Facility 7 5. Activation and acceptance

More information

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees

Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Institutional Financial Services ( IFS ) and Corporate Product Disclosure Statement ( PDS ) Fees Version: October 2008 This PDS is part 2 of 2 of the PDS for the following products: ANZ Corporate Transaction

More information

RURAL BANK ACCOUNTS TERMS AND CONDITIONS. Effective date: 08 June 2015

RURAL BANK ACCOUNTS TERMS AND CONDITIONS. Effective date: 08 June 2015 RURAL BANK ACCOUNTS TERMS AND CONDITIONS Effective date: 08 June 2015 Rural Bank Accounts THIS DOCUMENT CONTAINS TERMS AND CONDITIONS FOR THE FOLLOWING RURAL BANK PRODUCTS: Rural Bank Seasonal Account;

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Schedule of Fees and Charges Standard Home Loans - Variable Rate and Fixed Rate (bcu's standard home loan is defined as a loan secured by one residential property) Guide to pre-settlement fees and charges

More information

Suncorp Bank Business Accounts Product Information Document

Suncorp Bank Business Accounts Product Information Document Suncorp Bank Business Accounts Product Information Document This document contains information on Suncorp Bank Business Accounts: Business Everyday Accounts, Business Premium Accounts, Business Saver Accounts,

More information

RBONLINE SAVINGS ACCOUNT TERMS AND CONDITIONS. Effective date: 08 June 2015

RBONLINE SAVINGS ACCOUNT TERMS AND CONDITIONS. Effective date: 08 June 2015 RBONLINE SAVINGS ACCOUNT TERMS AND CONDITIONS Effective date: 08 June 2015 IMPORTANT INFORMATION YOU SHOULD READ BEFORE PROCEEDING THIS DOCUMENT CONTAINS TERMS AND CONDITIONS FOR THE RURAL BANK LIMITED

More information

Business Banking Guide to Fees and Charges

Business Banking Guide to Fees and Charges Business Banking Guide to Fees and Charges This booklet forms part of the terms and conditions for Business Transaction and Investment Products and the Supplementary Terms and Conditions for Business Lending

More information

Diners Club Corporate Travel System Terms and Conditions

Diners Club Corporate Travel System Terms and Conditions Diners Club Corporate Travel System Terms and Conditions Contents 1 Definitions 4 2 Accepting these Terms and Conditions 7 3 Authorised Users and Authorised Cardholders 7 4 Authorised Travel Agents 7

More information

ANZ Saving & Transaction Products Product Disclosure Statement

ANZ Saving & Transaction Products Product Disclosure Statement Containing terms and conditions for: > ANZ Access Advantage > ANZ Access Select > ANZ Access Basic > ANZ Access Deeming > ANZ Passbook Savings > ANZ Progress Saver > ANZ Premium Cash Management Account

More information

Terms & Conditions Deposit Accounts

Terms & Conditions Deposit Accounts Terms & Conditions Deposit Accounts Effective Date 6 October 2014 Contents Terms and Conditions 5 Definitions 5 Application of these Terms and Conditions 6 Specific Terms and Conditions Personal Savings

More information

A guide to fees and charges

A guide to fees and charges A guide to fees and charges Personal banking fees Effective 22 January 2010 Contents Section 1 Section 2 Section 3 Section 4 Section 5 Transaction and Savings Accounts NAB Transaction and Savings Accounts

More information

managed loans FEES AND LIMITS

managed loans FEES AND LIMITS managed loans FEES AND LIMITS Effective November 2014 Fees and Limits New Zealand Home Loans is committed to helping you and your family become debt free, faster. To help you do this, New Zealand Home

More information

Deposit Accounts for Business Customers

Deposit Accounts for Business Customers Deposit Accounts for Business Customers Terms and Conditions. Effective as at 1 July 2015. This booklet contains information on the following Deposit Accounts for Business Customers Currently available

More information

Fees, Charges and Transaction Limits for Personal Accounts May 2016

Fees, Charges and Transaction Limits for Personal Accounts May 2016 Fees, Charges and Transaction Limits for Personal Accounts May 2016 Please read this document to understand transaction fees, limits and any rebates that may apply based on your account relationship with

More information

BankSA Transaction, Savings and Investment Accounts. Fees and Charges and how to minimise them.

BankSA Transaction, Savings and Investment Accounts. Fees and Charges and how to minimise them. BankSA Transaction, Savings and Investment s. Fees and Charges and how to minimise them. Effective Date: 5 December 2015 Important Note: Information in this booklet is current as at the date of this booklet

More information

Bendigo Business Credit Card.

Bendigo Business Credit Card. Bendigo Business Credit Card. Terms and Conditions. 13 May 2015. Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone (03) 5485 7911 ABN 11 068 049 178. AFSL/Australian Credit

More information

Fees we charge for consumer mortgage lending products

Fees we charge for consumer mortgage lending products Fees we charge for consumer mortgage lending products Effective October 2009 This booklet provides information on the fees we may charge when you purchase any of the following consumer mortgage lending

More information

Bendigo Credit Card. Terms & Conditions. 13 May 2015. www.bendigobank.com.au

Bendigo Credit Card. Terms & Conditions. 13 May 2015. www.bendigobank.com.au Bendigo Credit Card. Terms & Conditions. 13 May 2015 www.bendigobank.com.au Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 Telephone 1300 BENDIGO (1300 236 344) ABN 11 068 049 178.

More information

Residential Loan Agreement. General Terms and Conditions

Residential Loan Agreement. General Terms and Conditions Residential Loan Agreement General Terms and Conditions Effective Date: 1 July 2014 IMPORTANT NOTE This document does not contain all the terms of your loan agreement or all of the information we are required

More information

Guide to. 16-20 Barolin St, PO Box 1063 Bundaberg Queensland 4670

Guide to. 16-20 Barolin St, PO Box 1063 Bundaberg Queensland 4670 Guide to Issued by Auswide Bank Ltd ABN 40 087 652 060/Australian Financial Services & Australian Credit Licence 239686 Effective from April 1 2015 P 1300 138 831 F 07 4152 3499 E auswide@auswidebank.com.au

More information

At-Call Savings Accounts

At-Call Savings Accounts At-Call Savings Accounts Part 1 - At-Call Savings Accounts Product Disclosure Statement (Corporations Act (Cth) 2001) comprises of the following documents Part 1 - Product Disclosure Statement for all

More information

HSBC Home and Investment Property Loans. Booklet of Standard Terms and Conditions Issued 23 August 2014

HSBC Home and Investment Property Loans. Booklet of Standard Terms and Conditions Issued 23 August 2014 HSBC Home and Investment Property Loans Booklet of Standard Terms and Conditions Issued 23 August 2014 Copyright HSBC Bank Australia Limited ABN 48 006 434 162 2011 ALL RIGHTS RESERVED. No part of this

More information

Commonwealth Private Bank Account

Commonwealth Private Bank Account Commonwealth Private Bank Account / 1 Commonwealth Private Bank Account Date of issue: 25 May 2015 Issued by: Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945

More information

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening

More information

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One

ANZ Commercial Card TERMS AND CONDITIONS 11.2015. ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One ANZ Commercial Card TERMS AND CONDITIONS 11.2015 ANZ Corporate Card ANZ Visa Purchasing Card ANZ Business One Containing Terms and Conditions for: Facility Terms and Conditions Electronic Banking Conditions

More information

Deposit accounts for personal customers

Deposit accounts for personal customers Deposit accounts for personal customers (no longer available for sale) Terms and conditions Effective as at 24 October 2014 1 Terms and Conditions This booklet sets out the Terms and Conditions of your

More information

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014

Terms and conditions. BOQ Specialist Banking Package. Dated November 2014 Terms and conditions BOQ Specialist Banking Package Dated November 2014 2 This page has been intentionally left blank Banking Package This document consists of PART A: Summary of banking package features

More information

ADDENDUM TO RURAL BANK BANKING ACCOUNTS TERMS AND CONDITIONS

ADDENDUM TO RURAL BANK BANKING ACCOUNTS TERMS AND CONDITIONS ADDENDUM TO RURAL BANK BANKING ACCOUNTS TERMS AND CONDITIONS This Addendum dated 1 July 2016 amends and supplements the Rural Bank Banking Accounts Terms and Conditions issued 7 March 2016 and must be

More information

Business Transaction and Investment Accounts

Business Transaction and Investment Accounts Business Transaction and Investment Accounts Terms and Conditions Everyday Business Account Business Management Account Business WebSavings Account Premier Investment Account Farm Management Deposit Accounts

More information

Teachers Credit Card. terms and conditions

Teachers Credit Card. terms and conditions Teachers Credit Card terms and conditions Important information This document forms part of your Credit Card Contract and should be read with the letter of offer, which also forms part of your Credit Card

More information

Section 1: Introduction

Section 1: Introduction Contents Section 1: Introduction Section 1: Introduction... 2 Section 2: Fees and Charges... 3 1. Transaction, Savings and Investment Accounts... 3 1.1 Chinese Currency (CNY) Transaction Account... 3 1.2

More information

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016 Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement

More information

Go Home Loan. Fees and Limits Guide. Effective June 2015. Home loans

Go Home Loan. Fees and Limits Guide. Effective June 2015. Home loans Go Home Loan Fees and Limits Guide Effective June 2015 Home loans Transaction services Go Card Withdrawal limits are subject to the redraw balance available in your Go Floating Rate account and any lower

More information

ANZ Personal Banking GENERAL FEES AND CHARGES

ANZ Personal Banking GENERAL FEES AND CHARGES ANZ Personal Banking GENERAL FEES AND CHARGES 23.11.2015 Contents General banking Credit cards Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 10 November 2016

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 10 November 2016 Fees n Limits. Personal Banking fees and limits Effective 10 November 2016 It s Ours. b What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts

More information

Business Banking Deposit Accounts - Terms and Conditions. 1 July 2015

Business Banking Deposit Accounts - Terms and Conditions. 1 July 2015 Business Banking Deposit Accounts - Terms and Conditions 1 July 2015 Contents Introduction 3 Part A: Definitions 4 1 Definitions 4 Part B: Account Terms 6 1 Account Opening 6 2 Joint Accounts 7 3 Trust

More information

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions Deposit accounts for personal and self-managed superannuation fund customers Terms and conditions Effective as at 3 February 2015 Terms and Conditions This booklet sets out the Terms and Conditions of

More information

Product Information Statement. Macquarie Cash Management Account

Product Information Statement. Macquarie Cash Management Account Product Information Statement Macquarie Cash Management Account Macquarie Bank Limited ABN 46 008 583 542 Australian Financial Services Licence No. 237502 DATE OF ISSUE / 6 JULY 2015 1 Contents Contents

More information

Save money by avoiding fees

Save money by avoiding fees Effective February 2016 Save money by avoiding fees With New Zealand Home Loans there is no monthly base fee. Use electronic transactions where possible You can save money by using electronic transactions

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING ACCOUNT FEES AND CHARGES 01.07.2016 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Account and service fees for your Business and Agribusiness.

Account and service fees for your Business and Agribusiness. Account and service fees for your Business and Agribusiness. 1 September 2015 Account fees Account fees Account fees are subject to change at any time. Where applicable, account fees are in addition to

More information

Amplify Business of Conditions of Use

Amplify Business of Conditions of Use Amplify Business Conditions Credit Card of Conditions of Use Effective: 25 September November 2015 2014 This document does not contain all the terms of this agreement or all of the information we are required

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Schedule of Fees and Charges Product Disclosure Statement & Terms and Conditions Effective as at 22 November 2015 Prepared by Bank of China (Australia) Limited ABN 28 110 077 622 AFS Licence No 287322

More information

Amplify Business Credit Card Conditions of Use.

Amplify Business Credit Card Conditions of Use. Amplify Business Credit Card Conditions of Use. Effective: September 2015 This document does not contain all the terms of this agreement or all of the information we are required to give you before the

More information